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Serving on a nonprofit board might seem far removed from personal financial risk. Board members volunteer their time, work collectively, and make decisions on behalf of an incorporated organization.
Nonprofit board members make decisions that affect funding, staffing, contracts, programs, and the long-term direction of the organization. Most serve because they believe in the mission. Few join a board expecting to defend a lawsuit connected to a decision they made on the organization’s behalf.
Foster care agencies hold some of the most sensitive information a human service organization can collect.
Foster parents do a lot of driving, and most of it happens without the agency in the vehicle or even aware the trip is occurring. A child needs to get to therapy. Visitation may be scheduled across town. Weekend activities require someone behind the wheel. The agency didn't arrange the trip and doesn't own the car, but the driving is still happening within the context of a placement the agency is responsible for.
Foster care agencies and group homes deal with staff turnover constantly. Most organizations think about turnover in terms of scheduling headaches and institutional knowledge walking out the door. Insurance carriers and plaintiff attorneys think about it differently.
Residential treatment centers sit in a difficult place from an insurance standpoint.
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